* { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary: #4BA3E8;
  --primary-dark: #1F6FB8;
  --primary-soft: #D7EEFF;
  --accent: #E87A4A;
  --accent-dark: #D05F2E;
  --sky: #EAF6FF;
  --sky-deep: #C8E6FF;
  --bg: #F3F8FC;
  --bg-soft: #E8F3FB;
  --text: #16324A;
  --text-mute: #6A8196;
  --border: #D7E6F2;
  --shadow-sm: 0 4px 12px rgba(31, 111, 184, 0.08);
  --shadow-md: 0 12px 32px rgba(31, 111, 184, 0.14);
  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 24px;
}

html, body {
  font-family: 'IBM Plex Sans KR', 'Outfit', sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; color: inherit; }
img, svg { display: block; max-width: 100%; }

/* ===== Text animations ===== */
.text-hero {
  opacity: 0;
  transform: translateY(22px);
  animation: text-rise 0.75s cubic-bezier(0.22, 1, 0.36, 1) forwards;
  animation-delay: calc(var(--d, 0) * 0.14s + 0.12s);
}
.hero-brand.text-hero {
  animation-name: text-rise-brand;
}
@keyframes text-rise {
  to { opacity: 1; transform: translateY(0); }
}
@keyframes text-rise-brand {
  0% { opacity: 0; transform: translateY(22px) scale(0.96); }
  100% { opacity: 1; transform: translateY(0) scale(1); }
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition:
    opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
  transition-delay: var(--reveal-delay, 0s);
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}
.reveal.in .text-pop {
  animation: text-pop 0.65s cubic-bezier(0.22, 1, 0.36, 1) both;
}
.reveal.in .text-fade {
  animation: text-fade-up 0.7s cubic-bezier(0.22, 1, 0.36, 1) 0.12s both;
}
.reveal:nth-child(2) { --reveal-delay: 0.08s; }
.reveal:nth-child(3) { --reveal-delay: 0.16s; }
.reveal:nth-child(4) { --reveal-delay: 0.24s; }
.reveal:nth-child(5) { --reveal-delay: 0.32s; }

@keyframes text-pop {
  0% { opacity: 0; transform: translateY(16px) scale(0.94); letter-spacing: 0.04em; }
  100% { opacity: 1; transform: translateY(0) scale(1); letter-spacing: -0.03em; }
}
@keyframes text-fade-up {
  0% { opacity: 0; transform: translateY(14px); filter: blur(2px); }
  100% { opacity: 1; transform: translateY(0); filter: blur(0); }
}

.section-head h2,
.faq-search-text h3 {
  background: linear-gradient(90deg, var(--text) 0%, var(--primary-dark) 45%, var(--primary) 70%, var(--text) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.reveal.in .section-head h2,
.section-head.reveal.in h2,
.faq-search.reveal.in h3 {
  animation: text-pop 0.65s cubic-bezier(0.22, 1, 0.36, 1) both, title-shimmer 4.5s ease-in-out 0.8s infinite;
}
@keyframes title-shimmer {
  0%, 100% { background-position: 0% center; }
  50% { background-position: 100% center; }
}

.promo-slide .promo-desc.text-fade {
  opacity: 0.95;
  animation: text-fade-up 0.8s ease both;
}

.logo-text {
  animation: text-rise 0.6s ease both;
}
.logo-text small {
  animation: text-fade-up 0.7s ease 0.2s both;
}

@media (prefers-reduced-motion: reduce) {
  .text-hero,
  .reveal,
  .reveal.in .text-pop,
  .reveal.in .text-fade,
  .section-head.reveal.in h2,
  .faq-search.reveal.in h3,
  .logo-text,
  .logo-text small {
    animation: none !important;
    opacity: 1 !important;
    transform: none !important;
    filter: none !important;
    transition: none !important;
  }
}

/* ===== Header ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 10px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
}
.logo-mark { display: grid; place-items: center; }
.logo-image {
  width: 48px;
  height: 48px;
  object-fit: contain;
  border-radius: 12px;
}
.logo-text {
  font-family: 'Outfit', 'IBM Plex Sans KR', sans-serif;
  font-size: 17px;
  letter-spacing: -0.02em;
  display: flex;
  flex-direction: column;
  line-height: 1;
  color: var(--primary-dark);
}
.logo-text small {
  font-size: 8px;
  color: var(--text-mute);
  letter-spacing: 1.6px;
  margin-top: 4px;
  font-weight: 600;
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 4px;
}
.header-phone,
.icon-btn {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  color: var(--primary-dark);
  transition: background 0.2s;
}
.header-phone:hover,
.icon-btn:hover { background: var(--sky); }

/* ===== Side menu ===== */
.side-menu {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  max-width: 85vw;
  height: 100vh;
  background: #fff;
  z-index: 100;
  padding: 24px;
  box-shadow: -8px 0 30px rgba(22, 50, 74, 0.15);
  transition: right 0.3s ease;
  display: flex;
  flex-direction: column;
}
.side-menu.open { right: 0; }
.side-menu-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 800;
  letter-spacing: 3px;
  color: var(--text-mute);
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}
.close-btn {
  width: 32px;
  height: 32px;
  font-size: 18px;
  color: var(--text);
}
.side-menu ul {
  list-style: none;
  padding: 24px 0;
  flex: 1;
}
.side-menu li a {
  display: block;
  padding: 14px 0;
  font-size: 16px;
  font-weight: 600;
  border-bottom: 1px solid var(--border);
}
.side-menu li a:hover { color: var(--primary); }
.overlay {
  position: fixed;
  inset: 0;
  background: rgba(12, 40, 70, 0.42);
  z-index: 90;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s;
}
.overlay.show { opacity: 1; pointer-events: auto; }

/* ===== Buttons ===== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(
    110deg,
    #7BC8FF 0%,
    #4BA3E8 28%,
    #1F6FB8 55%,
    #6BB8F5 78%,
    #4BA3E8 100%
  );
  background-size: 220% 220%;
  animation: glow-gradient 3.2s ease-in-out infinite;
  color: #fff;
  padding: 16px 24px;
  border-radius: 100px;
  font-size: 15px;
  font-weight: 700;
  box-shadow:
    0 8px 22px rgba(75, 163, 232, 0.45),
    0 0 18px rgba(123, 200, 255, 0.35);
  width: 100%;
  transition: transform 0.18s, box-shadow 0.18s;
  position: relative;
  overflow: hidden;
}
.btn-primary::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    transparent 0%,
    transparent 40%,
    rgba(255, 255, 255, 0.45) 50%,
    transparent 60%,
    transparent 100%
  );
  transform: translateX(-120%);
  animation: btn-shine 2.6s ease-in-out infinite;
  pointer-events: none;
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow:
    0 12px 28px rgba(75, 163, 232, 0.55),
    0 0 28px rgba(123, 200, 255, 0.5);
}
.btn-ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 22px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.55);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(6px);
  width: 100%;
  transition: background 0.2s;
}
.btn-ghost:hover { background: rgba(255, 255, 255, 0.22); }

@keyframes glow-gradient {
  0%, 100% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
}
@keyframes btn-shine {
  0%, 30% { transform: translateX(-120%); }
  60%, 100% { transform: translateX(120%); }
}

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: min(44vh, 320px);
  display: flex;
  align-items: flex-end;
  overflow: hidden;
  color: #fff;
}
.hero-media {
  position: absolute;
  inset: 0;
}
.hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
  transform: scale(1.04);
  animation: hero-drift 18s ease-in-out infinite alternate;
}
.hero-veil {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(20, 70, 120, 0.18) 0%, rgba(12, 45, 85, 0.55) 48%, rgba(8, 32, 62, 0.82) 100%),
    linear-gradient(90deg, rgba(10, 40, 75, 0.45) 0%, rgba(10, 40, 75, 0.08) 70%);
}
.hero-content {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 28px 22px 24px;
  animation: hero-rise 0.9s ease-out both;
}
.hero-brand {
  font-family: 'Outfit', 'IBM Plex Sans KR', sans-serif;
  font-size: clamp(28px, 7vw, 42px);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 10px;
  text-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}
.hero-title {
  font-size: clamp(18px, 4.5vw, 26px);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 10px;
  opacity: 0.96;
}
.hero-lead {
  font-size: 14px;
  line-height: 1.6;
  max-width: 28em;
  opacity: 0.9;
  margin-bottom: 22px;
}
.hero-cta {
  display: grid;
  gap: 10px;
  max-width: 360px;
}

@keyframes hero-drift {
  from { transform: scale(1.04) translate3d(0, 0, 0); }
  to { transform: scale(1.08) translate3d(-1.5%, -1%, 0); }
}
@keyframes hero-rise {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ===== Section head ===== */
.section-head {
  max-width: 1200px;
  margin: 0 auto 16px;
  padding: 0 4px;
}
.section-head h2 {
  font-size: 26px;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.25;
}
.section-head p {
  font-size: 16px;
  color: var(--text-mute);
  margin-top: 8px;
  font-weight: 600;
  line-height: 1.45;
}
@media (min-width: 720px) {
  .section-head h2 { font-size: 32px; }
  .section-head p { font-size: 18px; }
}

/* ===== Products ===== */
.products {
  background: linear-gradient(180deg, #EAF6FF 0%, #F7FBFF 45%, #FFFFFF 100%);
  padding: 18px 16px 24px;
  border-bottom: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.products-sky {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;
}
.products > .section-head,
.products > .products-inner {
  position: relative;
  z-index: 1;
}
.cloud {
  position: absolute;
  display: block;
  background: rgba(255, 255, 255, 0.78);
  border-radius: 100px;
  filter: blur(0.2px);
  box-shadow:
    28px 0 0 -4px rgba(255, 255, 255, 0.78),
    52px -8px 0 -2px rgba(255, 255, 255, 0.72),
    78px 2px 0 -6px rgba(255, 255, 255, 0.8),
    18px -14px 0 -2px rgba(255, 255, 255, 0.7);
  opacity: 0.7;
  animation: cloud-drift linear infinite;
}
.cloud::before,
.cloud::after {
  content: "";
  position: absolute;
  background: rgba(255, 255, 255, 0.85);
  border-radius: 50%;
}
.cloud::before {
  width: 42%;
  height: 140%;
  left: 18%;
  top: -55%;
}
.cloud::after {
  width: 52%;
  height: 160%;
  left: 48%;
  top: -70%;
}
.cloud.c1 {
  width: 70px;
  height: 22px;
  top: 12%;
  left: -20%;
  animation-duration: 28s;
  animation-delay: -4s;
  transform: scale(1);
}
.cloud.c2 {
  width: 96px;
  height: 28px;
  top: 28%;
  left: -30%;
  opacity: 0.55;
  animation-duration: 38s;
  animation-delay: -12s;
  transform: scale(1.15);
}
.cloud.c3 {
  width: 58px;
  height: 18px;
  top: 48%;
  left: -15%;
  opacity: 0.45;
  animation-duration: 32s;
  animation-delay: -20s;
  transform: scale(0.85);
}
.cloud.c4 {
  width: 110px;
  height: 30px;
  top: 64%;
  left: -35%;
  opacity: 0.5;
  animation-duration: 44s;
  animation-delay: -8s;
  transform: scale(1.25);
}
.cloud.c5 {
  width: 64px;
  height: 20px;
  top: 78%;
  left: -18%;
  opacity: 0.4;
  animation-duration: 36s;
  animation-delay: -26s;
  transform: scale(0.9);
}
@keyframes cloud-drift {
  0% { translate: 0 0; }
  50% { translate: 70vw -6px; }
  100% { translate: 140vw 4px; }
}
@media (prefers-reduced-motion: reduce) {
  .cloud { animation: none; opacity: 0.35; }
  .cloud.c1 { left: 8%; }
  .cloud.c2 { left: 55%; }
  .cloud.c3 { left: 28%; }
  .cloud.c4 { left: 70%; }
  .cloud.c5 { left: 42%; }
}

.products-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  max-width: 1200px;
  margin: 0 auto;
}
@media (min-width: 560px) {
  .products-inner {
    grid-template-columns: 1fr 1fr;
  }
}
@media (min-width: 900px) {
  .products-inner {
    grid-template-columns: 1fr 1fr 1fr;
  }
}
.product-card {
  background: var(--bg-soft);
  border-radius: var(--radius-md);
  padding: 18px 14px 14px;
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 280px;
  border: 1px solid var(--border);
  transition: transform 0.2s, box-shadow 0.2s;
}
.product-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.product-card.credit { background: #EAF5FF; }
.product-card.auto { background: #E6F7FF; }
.product-card.secured { background: #E8F4FC; }
.product-text h3 {
  font-size: 20px;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.25;
  margin-bottom: 8px;
  white-space: nowrap;
}
.product-text p {
  font-size: 14px;
  color: var(--text-mute);
  line-height: 1.5;
  font-weight: 600;
}
.product-art {
  flex: 1;
  display: grid;
  place-items: center;
  margin: 6px 0 10px;
  min-height: 150px;
  background: transparent;
}
.product-art-shine {
  position: relative;
  width: 100%;
  max-width: 210px;
  display: grid;
  place-items: center;
  overflow: hidden;
}
.product-art-shine::after {
  content: "";
  position: absolute;
  inset: -8% -20%;
  background: linear-gradient(
    115deg,
    transparent 0%,
    transparent 38%,
    rgba(255, 255, 255, 0) 42%,
    rgba(255, 255, 255, 0.75) 50%,
    rgba(255, 255, 255, 0) 58%,
    transparent 62%,
    transparent 100%
  );
  transform: translateX(-120%) skewX(-18deg);
  animation: art-shimmer 2.8s ease-in-out infinite;
  pointer-events: none;
  z-index: 2;
  mix-blend-mode: soft-light;
}
.product-card.auto .product-art-shine::after {
  animation-delay: 0.9s;
}
.product-card.secured .product-art-shine::after {
  animation-delay: 1.5s;
}
.product-art-img {
  width: 100%;
  max-width: 210px;
  height: auto;
  object-fit: contain;
  background: transparent;
  position: relative;
  z-index: 1;
  filter: drop-shadow(0 10px 16px rgba(31, 111, 184, 0.2));
}

.sparkle {
  position: absolute;
  width: 10px;
  height: 10px;
  z-index: 3;
  pointer-events: none;
  background: radial-gradient(circle, #fff 0%, #9AD0FF 35%, transparent 70%);
  clip-path: polygon(50% 0%, 62% 38%, 100% 50%, 62% 62%, 50% 100%, 38% 62%, 0% 50%, 38% 38%);
  opacity: 0;
  animation: sparkle-twinkle 2.4s ease-in-out infinite;
}
.sparkle.s1 { top: 8%; right: 10%; animation-delay: 0s; }
.sparkle.s2 { top: 28%; left: 6%; width: 8px; height: 8px; animation-delay: 0.6s; }
.sparkle.s3 { bottom: 22%; right: 14%; width: 12px; height: 12px; animation-delay: 1.2s; }
.sparkle.s4 { bottom: 10%; left: 18%; width: 7px; height: 7px; animation-delay: 1.8s; }
.product-card.auto .sparkle.s1 { animation-delay: 0.3s; }
.product-card.auto .sparkle.s2 { animation-delay: 0.9s; }
.product-card.auto .sparkle.s3 { animation-delay: 1.5s; }
.product-card.auto .sparkle.s4 { animation-delay: 2.1s; }
.product-card.secured .sparkle.s1 { animation-delay: 0.5s; }
.product-card.secured .sparkle.s2 { animation-delay: 1.1s; }
.product-card.secured .sparkle.s3 { animation-delay: 1.7s; }
.product-card.secured .sparkle.s4 { animation-delay: 2.3s; }

@keyframes product-art-bob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@keyframes art-shimmer {
  0%, 25% { transform: translateX(-120%) skewX(-18deg); }
  55%, 100% { transform: translateX(120%) skewX(-18deg); }
}
@keyframes sparkle-twinkle {
  0%, 100% { opacity: 0; transform: scale(0.4) rotate(0deg); }
  40% { opacity: 1; transform: scale(1.15) rotate(20deg); }
  70% { opacity: 0.35; transform: scale(0.7) rotate(40deg); }
}

.product-art-bob {
  animation: product-art-bob 2.4s ease-in-out infinite;
  will-change: transform;
}
.product-art-bob--auto {
  animation-duration: 2.1s;
  animation-delay: 0.35s;
}
.product-art-bob--secured {
  animation-duration: 2.6s;
  animation-delay: 0.55s;
}
@media (prefers-reduced-motion: reduce) {
  .product-art-bob,
  .product-art-shine::after,
  .sparkle,
  .hero-img,
  .btn-primary,
  .btn-primary::before,
  .card-cta,
  .card-cta::before,
  .promo-pill,
  .promo-pill::before,
  .cookie-confirm,
  .cookie-confirm::before { animation: none; }
}

.card-cta {
  background: linear-gradient(
    110deg,
    #8FD0FF 0%,
    #4BA3E8 35%,
    #1F6FB8 65%,
    #6BB8F5 100%
  );
  background-size: 220% 220%;
  animation: glow-gradient 3.2s ease-in-out infinite;
  color: #fff;
  padding: 10px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 700;
  margin: 0 auto;
  width: 100%;
  border: none;
  box-shadow:
    0 6px 16px rgba(75, 163, 232, 0.4),
    0 0 14px rgba(123, 200, 255, 0.3);
  transition: 0.18s;
  position: relative;
  overflow: hidden;
}
.card-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    transparent 0%,
    transparent 40%,
    rgba(255, 255, 255, 0.5) 50%,
    transparent 60%,
    transparent 100%
  );
  transform: translateX(-120%);
  animation: btn-shine 2.8s ease-in-out infinite;
  animation-delay: 0.4s;
  pointer-events: none;
}
.card-cta:hover {
  transform: translateY(-1px);
  box-shadow:
    0 10px 22px rgba(75, 163, 232, 0.5),
    0 0 22px rgba(123, 200, 255, 0.45);
}

/* ===== Promo ===== */
.promo { padding: 18px 16px; }
.promo-card {
  background: linear-gradient(180deg, #F0F8FF 0%, #E2F1FF 100%);
  border-radius: var(--radius-lg);
  padding: 28px 20px 20px;
  position: relative;
  overflow: hidden;
  border: 1px solid var(--border);
}
.promo-track {
  display: flex;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
}
.promo-track::-webkit-scrollbar { display: none; }
.promo-slide {
  flex: 0 0 100%;
  scroll-snap-align: center;
  text-align: center;
}
.promo-pill {
  display: inline-block;
  background: linear-gradient(110deg, #8FD0FF 0%, #4BA3E8 35%, #1F6FB8 65%, #6BB8F5 100%);
  background-size: 220% 220%;
  animation: glow-gradient 3s ease-in-out infinite;
  color: #fff;
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.01em;
  padding: 14px 28px;
  border-radius: 100px;
  box-shadow:
    0 8px 22px rgba(75, 163, 232, 0.45),
    0 0 18px rgba(123, 200, 255, 0.35);
  margin-bottom: 16px;
  position: relative;
  overflow: hidden;
}
.promo-pill::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    transparent 0%,
    transparent 40%,
    rgba(255, 255, 255, 0.5) 50%,
    transparent 60%,
    transparent 100%
  );
  transform: translateX(-120%);
  animation: btn-shine 2.8s ease-in-out infinite;
  pointer-events: none;
}
.promo-pill.alt {
  background: linear-gradient(110deg, #9AD8FF 0%, #5BB8F0 35%, #2B8FD4 65%, #7CC8F8 100%);
  background-size: 220% 220%;
  box-shadow:
    0 8px 22px rgba(43, 143, 212, 0.4),
    0 0 18px rgba(123, 200, 255, 0.3);
}
.promo-pill.alt2 {
  background: linear-gradient(110deg, #FFB08A 0%, #E87A4A 35%, #D05F2E 65%, #F09A6A 100%);
  background-size: 220% 220%;
  box-shadow:
    0 8px 22px rgba(232, 122, 74, 0.45),
    0 0 18px rgba(255, 176, 138, 0.35);
}
.promo-desc {
  color: #3A5A74;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.55;
}
.promo-dots {
  display: flex;
  justify-content: center;
  gap: 6px;
  margin-top: 18px;
}
.promo-dots button {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(31, 111, 184, 0.2);
  transition: 0.2s;
}
.promo-dots button.active {
  background: var(--primary);
  width: 22px;
  border-radius: 4px;
}

/* ===== FAQ ===== */
.faq-search {
  background: var(--bg);
  margin: 0 16px;
  border-radius: var(--radius-md);
  padding: 22px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-search-text h3 {
  font-size: 17px;
  font-weight: 800;
  margin-bottom: 6px;
}
.faq-search-text p {
  font-size: 13px;
  color: var(--text-mute);
  line-height: 1.5;
}
.faq-search-icon { flex-shrink: 0; }

.faq-list-section {
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.faq-list-section details {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
}
.faq-list-section summary {
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-list-section summary::-webkit-details-marker { display: none; }
.faq-list-section summary::after {
  content: "+";
  font-size: 22px;
  color: var(--primary);
  font-weight: 400;
  transition: transform 0.25s;
}
.faq-list-section details[open] summary::after { transform: rotate(45deg); }
.faq-list-section details p {
  margin-top: 12px;
  color: var(--text-mute);
  font-size: 14px;
  line-height: 1.65;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

/* ===== Quick actions ===== */
.quick-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--border);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.quick-item {
  background: #fff;
  padding: 22px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 15px;
}
.quick-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.contact-icon { background: #FFE8DE; }
.myloan-icon { background: #DCEFFF; }

/* ===== Footer ===== */
.footer {
  background: #fff;
  padding: 24px 20px 90px;
  font-size: 11px;
  color: var(--text-mute);
}
.footer-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 16px;
}
.footer-tags span { font-weight: 500; }
.footer-info p {
  font-size: 11px;
  line-height: 1.7;
  margin-bottom: 2px;
}
.footer-info p strong {
  font-weight: 700;
  color: var(--text);
  margin-right: 4px;
}
.footer-info a {
  color: var(--primary-dark);
  font-weight: 600;
}
.copyright { margin-top: 8px !important; }
.footer-disclaimer {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  font-size: 11px;
  line-height: 1.6;
}

/* ===== Bottom Tab ===== */
.bottom-tab {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #fff;
  border-top: 1px solid var(--border);
  display: flex;
  z-index: 70;
  padding: 8px 4px calc(8px + env(safe-area-inset-bottom));
  box-shadow: 0 -4px 16px rgba(22, 50, 74, 0.06);
}
.tab-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  font-size: 10px;
  font-weight: 600;
  color: var(--text-mute);
  padding: 4px 2px;
}
.tab-item.active { color: var(--primary-dark); }
.tab-icon {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  background: var(--bg-soft);
  position: relative;
}
.home-tab::before {
  content: "";
  position: absolute;
  inset: 5px;
  background: var(--primary);
  clip-path: polygon(50% 0, 100% 45%, 82% 45%, 82% 100%, 18% 100%, 18% 45%, 0 45%);
}
.credit-tab::before,
.auto-tab::before,
.secured-tab::before {
  content: "";
  position: absolute;
  inset: 6px 4px;
  border-radius: 3px;
  border: 2px solid var(--primary);
}
.auto-tab::before {
  border-radius: 8px 8px 3px 3px;
}
.secured-tab::before {
  inset: 5px;
  border: none;
  border-radius: 0;
  background: var(--primary);
  clip-path: polygon(50% 0, 100% 38%, 100% 100%, 62% 100%, 62% 62%, 38% 62%, 38% 100%, 0 100%, 0 38%);
}

/* ===== Cookie ===== */
.cookie-bar {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 78px;
  background: #16324A;
  color: #fff;
  border-radius: 16px;
  padding: 14px 16px;
  display: flex;
  gap: 12px;
  align-items: center;
  z-index: 80;
  box-shadow: var(--shadow-md);
  transform: translateY(120%);
  opacity: 0;
  transition: 0.35s ease;
}
.cookie-bar.show {
  transform: translateY(0);
  opacity: 1;
}
.cookie-bar p {
  font-size: 12px;
  line-height: 1.5;
  flex: 1;
}
.cookie-confirm {
  flex-shrink: 0;
  background: linear-gradient(110deg, #8FD0FF 0%, #4BA3E8 40%, #1F6FB8 70%, #6BB8F5 100%);
  background-size: 220% 220%;
  animation: glow-gradient 3.2s ease-in-out infinite;
  color: #fff;
  padding: 10px 16px;
  border-radius: 100px;
  font-weight: 700;
  font-size: 13px;
  box-shadow:
    0 4px 14px rgba(75, 163, 232, 0.4),
    0 0 12px rgba(123, 200, 255, 0.3);
  position: relative;
  overflow: hidden;
}
.cookie-confirm::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    transparent 0%,
    transparent 40%,
    rgba(255, 255, 255, 0.45) 50%,
    transparent 60%,
    transparent 100%
  );
  transform: translateX(-120%);
  animation: btn-shine 2.6s ease-in-out infinite;
  pointer-events: none;
}

/* ===== Modal ===== */
.modal {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: none;
}
.modal.open { display: block; }
.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(12, 40, 70, 0.5);
  animation: fadeIn 0.25s ease;
}
.modal-content {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  background: #fff;
  border-radius: 24px 24px 0 0;
  max-height: 92vh;
  overflow-y: auto;
  padding: 20px 20px calc(24px + env(safe-area-inset-bottom));
  animation: slideUp 0.32s ease;
  box-shadow: 0 -12px 40px rgba(22, 50, 74, 0.18);
}
.modal-close {
  position: absolute;
  top: 14px;
  right: 16px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--bg);
  font-size: 16px;
  z-index: 2;
}
.receipt-meta {
  display: flex;
  justify-content: space-between;
  font-family: 'Courier New', monospace;
  font-size: 12px;
  color: var(--text-mute);
  margin-bottom: 14px;
  padding-right: 40px;
}
.avatar-row {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-bottom: 18px;
}
.avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--primary-soft);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.avatar-text {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.avatar-text strong {
  font-size: 17px;
  font-weight: 800;
}
.avatar-text span {
  font-size: 12px;
  color: var(--text-mute);
}
.apply-form { display: flex; flex-direction: column; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-label {
  font-size: 13px;
  font-weight: 700;
}
.field-hint {
  font-weight: 500;
  color: var(--text-mute);
}
.field input[type="text"],
.field input[type="number"],
.field input[type="tel"] {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 14px;
  font-size: 15px;
  font-family: inherit;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(75, 163, 232, 0.18);
}
.radio-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.radio {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
}
.radio:has(input:checked) {
  border-color: var(--primary);
  background: var(--sky);
  color: var(--primary-dark);
}
.agree {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--text-mute);
  line-height: 1.45;
}
.agree input { margin-top: 2px; }
.submit-loading { margin-top: 4px; }
.submit-loading-text {
  font-size: 12px;
  color: var(--text-mute);
  margin-bottom: 8px;
}
.submit-loading-track {
  height: 6px;
  background: var(--bg-soft);
  border-radius: 100px;
  overflow: hidden;
}
.submit-loading-fill {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, var(--primary), var(--primary-dark));
  transition: width 0.08s linear;
}
.success {
  text-align: center;
  padding-top: 20px;
}
.success-icon {
  display: grid;
  place-items: center;
  margin-bottom: 14px;
  animation: pop 0.45s ease;
}
.success h3 {
  font-size: 20px;
  font-weight: 800;
  margin-bottom: 8px;
}
.success > p {
  color: var(--text-mute);
  font-size: 14px;
  margin-bottom: 18px;
}
.receipt-summary {
  background: var(--bg);
  border-radius: 14px;
  padding: 14px 16px;
  margin-bottom: 18px;
  text-align: left;
}
.receipt-summary div {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 13px;
  padding: 6px 0;
  border-bottom: 1px dashed var(--border);
}
.receipt-summary div:last-child { border-bottom: none; }
.receipt-summary span:first-child { color: var(--text-mute); }

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes slideUp {
  from { transform: translateY(40px); opacity: 0.6; }
  to { transform: translateY(0); opacity: 1; }
}
@keyframes pop {
  0% { transform: scale(0.6); opacity: 0; }
  70% { transform: scale(1.08); }
  100% { transform: scale(1); opacity: 1; }
}

@media (min-width: 720px) {
  .hero {
    min-height: min(36vh, 280px);
    align-items: center;
  }
  .hero-content {
    padding: 32px 40px;
  }
  .hero-brand {
    font-size: 36px;
    margin-bottom: 8px;
  }
  .hero-title {
    font-size: 26px;
    margin-bottom: 8px;
    white-space: nowrap;
  }
  .hero-lead {
    font-size: 17px;
    font-weight: 600;
    max-width: none;
    margin-bottom: 18px;
    white-space: nowrap;
  }
  .hero-cta {
    grid-template-columns: auto auto;
    max-width: none;
    width: fit-content;
    gap: 12px;
  }
  .hero-cta .btn-primary,
  .hero-cta .btn-ghost {
    width: auto;
    min-width: 168px;
    padding: 16px 22px;
    font-size: 16px;
    white-space: nowrap;
  }
  .products-inner { max-width: 1080px; }
  .modal-content {
    left: 50%;
    right: auto;
    bottom: auto;
    top: 50%;
    transform: translate(-50%, -50%);
    width: min(440px, 92vw);
    border-radius: 24px;
    max-height: 86vh;
    animation: fadeIn 0.25s ease;
  }
}

@media (min-width: 1024px) {
  .hero-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    padding: 28px 48px;
  }
  .hero-copy {
    display: flex;
    flex-wrap: wrap;
    align-items: baseline;
    column-gap: 20px;
    row-gap: 8px;
    flex: 1;
    min-width: 0;
  }
  .hero-brand {
    font-size: 44px;
    margin-bottom: 0;
    line-height: 1.1;
    white-space: nowrap;
  }
  .hero-title {
    font-size: 30px;
    margin-bottom: 0;
    opacity: 1;
  }
  .hero-lead {
    flex: 1 1 100%;
    font-size: 19px;
    margin-bottom: 0;
    letter-spacing: -0.02em;
    opacity: 0.95;
  }
  .hero-cta {
    display: flex;
    flex-direction: row;
    flex-shrink: 0;
    margin: 0;
  }
}